This product is targeted at tackling the hydra-headed problem of youth unemployment ravaging the economy. If the current trend continues , in a short while, as many experts have predicted, majority of our youths may well acquire their degrees and come and sit at home. The labour market is already over-flooded with job seekers with no equivalent openings. It calls for inward looking determination to create, rather than spend several years in the labour market seeking already created jobs. Our ACIA account therefore, seeks to plant a seed today that would become an initial capital outlay for self-employment project after graduation. If you deposit N 100,000 (one hundred thousand Naira only) now for your child or ward that is say one year old, by the time he would be graduating from the university or polytechnic in the next twenty years, your N 100,000 deposit today would have grown to about N19m (Nineteen Million Naira) at a 30% P/A average rate of return. This is how planning works; take long-term focus and pay a lower price. Don’t wait until situations are out of hand before you begin to adopt fire-brigade approach. This fund is then pulled out to set up a self-employment project for your child. Many graduates languishing in the labour market today could effectively manage productive business concerns if the opportunities were there. ACIA account is out to create such opportunities for your child at the time of his graduation.